Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$29,871Cash toward the purchase price.
Closing costs + prepaids$12,618Not just lender fees.
Before credits & paid funds$42,488The complete starting cash picture.
Estimated remaining funds due at closing
$42,488No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$29,870.59
Your down payment$29,870.59
Closing costs + prepaids$12,617.66
Total buyer cash needed$42,488.25
Remaining funds due$42,488.25
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$3,150.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$1,425.65
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$617.25
Initial HOA (3 months)$1,050.00
Prepaid interest, first (24 days)$1,156.77
Fees + prepaids$12,617.66
Your down payment is the seller’s equity. You take over the $285,129 balance, so the rest of the $315,000 price is paid at closing. A second mortgage can cover part of it. $42,488.25 is due at closing. Uses and sources reconcile at $327,617.66 each. Not a Closing Disclosure.